Pickup ｜ The CBRC responds to the issue of Henan Village Bank: Henan Banking Insurance Regulatory Bureau has fulfilled the duties of regulatory duties

Cover news reporter Teng Yan

A few days ago, the Central Propaganda Department launched the "China Ten Years of Ten Years · Series Theme Release". The column of the cover news "Picking the Year" will pay attention to the whole process, reporting to China's achievements and changes in the past decade.

On June 23, the Propaganda Department of the Central Committee of the Communist Party of China held a conference on the reform and development of the financial sector since the 18th National Congress of the Communist Party of China. Xiao Yuan, vice chairman of the Bank of China Insurance Supervision and Administration Commission, responded to the recent issue of individual villages and towns in Henan. The local party committee and government have done a good job of related work, and the Henan Banking Insurance Regulatory Bureau has fulfilled the duties of supervision. "

▲ Xiao Yuan, vice chairman of the Bank of China Insurance Supervision and Administration Commission (picture source: Guoxin.com)

There are currently 3991 small and medium -sized banks in China, including 147 urban commercial banks, 2196 rural credit cooperatives (including rural commercial banks, rural cooperative banks, and agricultural credit cooperatives), 1651 village and township banks, with total assets of 9.2 trillion yuan. These small and medium banks. The total assets account for 29%of the total assets of the banking industry, mainly focusing on small and micro enterprises' financial services and "agriculture and rural" services. Relevant loans account for 47%and 40%in the banking industry, respectively. In the past five years, a total of 5.3 trillion yuan of non -performing loans for small and medium banks has been disposed of.

When it comes to the development of small and medium -sized banks, Xiao Yuan's enterprise said that the operation is smooth and healthy. Although there are still some problems, especially the risks of individual institutions are relatively high, and some are suspected of illegal crimes, but in general Risk is completely controllable. The legitimate rights and interests of the majority of financial consumers are protected in accordance with the law, and the financial regulatory authorities will spare no effort to do relevant work.

Xiao Yuan Enterprise said that in terms of resolving non -performing assets and related risks, the main measures taken are to adhere to the reform of reform and insurance, coordinate the reform and insurance of small and medium -sized banks, focus on corporate governance and mechanism construction, focus on cultivating small and medium -sized banks The endogenous motivation for developing and preventing and controlling risks, implementing the responsibilities of all parties, implementing a "one -line strategy" for individual key institutions, and formulating deepening reform and risk resolution programs.

The second is to continuously increase the handling of non -performing assets. It is mainly to do the classification of non -performing assets of small and medium -sized banks, increase the disposal of provision and non -performing loans, and enrich the processing channels. At the same time, it also provides some policy support for small and medium -sized banks to dispose of non -performing loans.

The third is to promote multi -channel supplementary capital. It is mainly to coordinate the internal and medium -sized bank's endogenous capital supplement and use the capital supplements of external markets, as well as the capital supplementary mechanism of the two domestic and foreign markets. At the same time, in recent years, the CBRC has launched a mechanism for replenishing capital to supplement the capital of local governments to supplement capital.

The fourth is to improve corporate governance. The main reason is to explore the further organic integration of the leadership and corporate governance of the small and medium -sized banks, and build a corporate governance arrangement that is in line with the actual and practical of small legal persons. In terms of legal person governance, according to the characteristics of these institutions, including scale, business complexity, risk prevention and control requirements, build a simple and effective corporate governance arrangement. "Xiao Yuan Enterprise said, at the same time, actively cultivate the professional manager's market. Improve professional thinking, professional literacy and professional methods. In terms of shareholders' behavior and equity management, regulatory efforts should be strengthened, especially to restrict the behavior of major shareholders, strictly prevent illegal related transactions, and strictly fight illegal crimes.

Fifth, strengthen scientific and technological empowerment, promote digital transformation of small and medium -sized banks, and use scientific and technological means to consolidate the traditional advantages of small and medium -sized banks in the small field of agriculture.

Sixth, optimize the layout of the institution, further build an institutional system that is differentiated, characterized, cooperated, and competes with each other, meets the increasingly diverse financial needs of the people, improves small and medium -sized banks to serve the real economy, effective prevention and control risks and sustainable development of small and medium -sized banks. ability.

Xiao Yuan Enterprise also responded to the recent issue of individual villages and towns in Henan. He said that recently, the local public security organs and local financial regulatory authorities in Henan have notified the media on the issues of individual villages and towns in Henan. The criminal suspect seized a group of assets involved in the case. The CBRC will cooperate with the local party committee and government to do a good job of related work. It has instructed the Henan Banking Insurance Regulatory Bureau to fulfill its supervision duties and protect the legitimate rights and interests of the people in accordance with the law.

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